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Important Information

The Affordable Care Act and You

The Affordable Care Act (ACA) requires nearly every American to be enrolled in medical coverage or pay a penalty. This is
referred to as the individual mandate. You have several options to satisfy this requirement:
 Enroll in a medical plan offered by Redbarn Pet Products or another group plan
 Purchase coverage through a health insurance marketplace
 Enroll in coverage through a government sponsored program
 Have no coverage and incur a tax penalty

Because Redbarn Pet Products’s medical plans are considered affordable and meet minimum value under Health Care
Reform, you will not generally see lower premiums or out-of-pocket costs through the marketplace. In addition, employer
contributions to your medical benefits will be lost if you choose to purchase coverage through the marketplace, and your
portion of medical premiums will no longer be paid via payroll deductions on a pre-tax basis.

For More Information on the Affordable Care Act
To learn more about the Affordable Care Act, visit www.healthcare.gov.

Annual Notices
Various state and federal laws require that employers provide disclosure and annual notices to their plan participants.
Redbarn Pet Products has posted all federally required annual notices on our intranet for you to download and read at your
convenience. Redbarn Pet Products will distribute all federally required annual notices upon hire and during each annual
open enrollment period.

Annual notices include the following:

 Medicare Part D Notice of Creditable Coverage  Medicaid & Children’s Health Insurance Program
 Women's Health and Cancer Rights Act (WHCRA)  Special Enrollment Rights
 Newborns’ and Mothers’ Health Protection Act

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